This is the breakdown:2 tenants on month to month leases ~$250-$350 less than market1 long term tenant (15yrs) is now on month to month lease and is paying $1500 less than marketAfter consulting with a couple of people and doing some research, it sounds like anything over a I should apply banking rent raise and submit a 60 day notice (all of these units fall into that category).

@Rene Brodowsky appraisers, like most workers, will take the path of least resistance if allowed.Appears they are using an AI system to valuate your home.As suggested already, you may want to request an actual appraisal, which you will have to pay for, and send your own comparables to Huntington Bank to try to guide the appraiser.Otherwise, you may need to try a different lender.

A bank will only loan you about 75% of the equity.

if your doing a senior project I would suspect your best and most cost effective landing solution is going to be a local community bank that loves real estate.. in my experience most will want 50% down on the dirt and a ton of experience and a really strong balance sheet.Myself I always pay cash for the dirt this makes finding a lending partner much easier.

I bank with Navy Federal Credit Union, and they have a great 20 year interest only HELOC option in which I could utilize my substantial home equity.

Should I check into local smaller banks here or Credit Unions? 

I personally would never borrow money from a bank or private investor if there was any chance of losing it. 

STRs are difficult for a traditional LTR PMC to properly manage!

But now I'm getting check from the title company and have to put that in the bank. 

I have enough cash in the bank to purchase a small  2bd, 1ba SFR (already cash flowing/w tenant) outright.